[go: up one dir, main page]

WO2010027900A3 - Enabling consumer choice on contactless transactions when using a dual-branded payment instrument - Google Patents

Enabling consumer choice on contactless transactions when using a dual-branded payment instrument Download PDF

Info

Publication number
WO2010027900A3
WO2010027900A3 PCT/US2009/055182 US2009055182W WO2010027900A3 WO 2010027900 A3 WO2010027900 A3 WO 2010027900A3 US 2009055182 W US2009055182 W US 2009055182W WO 2010027900 A3 WO2010027900 A3 WO 2010027900A3
Authority
WO
WIPO (PCT)
Prior art keywords
transactions
contactless payment
merchant
dual
credit
Prior art date
Application number
PCT/US2009/055182
Other languages
French (fr)
Other versions
WO2010027900A2 (en
Inventor
Vijay Royyuru
Dan Ruppe
Original Assignee
First Data Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Data Corporation filed Critical First Data Corporation
Publication of WO2010027900A2 publication Critical patent/WO2010027900A2/en
Publication of WO2010027900A3 publication Critical patent/WO2010027900A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3574—Multiple applications on card
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The embodiments presented herein provide for systems and methods for allowing different types of transactions, e.g., credit or debit transactions, over different payment networks, e.g., Visa or STAR networks, using contactless payment devices. In embodiments, a merchant and/or consumer can select if he or she wants a debit or credit transaction. The merchant point-of-sale (POS) device can process these choices and transmit the request to the contactless payment device. In embodiments, the contactless payment device includes two or more applications (one for credit transactions and one for debit transactions) for conducting transactions and transmitting the requested information to the merchant POS device. The merchant POS device can then use the information received from the contactless payment device to complete the transaction over the requested network.
PCT/US2009/055182 2008-09-03 2009-08-27 Enabling consumer choice on contactless transactions when using a dual-branded payment instrument WO2010027900A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/203,842 2008-09-03
US12/203,842 US8523053B2 (en) 2008-09-03 2008-09-03 Enabling consumer choice on contactless transactions when using a dual-branded payment instrument

Publications (2)

Publication Number Publication Date
WO2010027900A2 WO2010027900A2 (en) 2010-03-11
WO2010027900A3 true WO2010027900A3 (en) 2010-06-10

Family

ID=41723830

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/055182 WO2010027900A2 (en) 2008-09-03 2009-08-27 Enabling consumer choice on contactless transactions when using a dual-branded payment instrument

Country Status (2)

Country Link
US (2) US8523053B2 (en)
WO (1) WO2010027900A2 (en)

Families Citing this family (57)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10755268B2 (en) * 2008-05-09 2020-08-25 Verient, Inc. Apparatus and methods for payment transactions using near field communication
US11651356B2 (en) 2008-05-09 2023-05-16 Verient, Inc. Apparatus and methods for payment transactions using near field communication
US8385913B2 (en) 2008-09-08 2013-02-26 Proxicom Wireless, Llc Using a first wireless link to exchange identification information used to communicate over a second wireless link
US9240005B2 (en) * 2009-11-06 2016-01-19 Mastercard International, Incorporated Methods for risk management in payment-enabled mobile device
US9508068B2 (en) * 2009-12-31 2016-11-29 First Data Corporation Systems and methods for processing a contactless transaction card
US8616441B2 (en) * 2009-12-31 2013-12-31 First Data Corporation Systems and methods for processing a transaction associated with a contactless transaction card
US9189786B2 (en) * 2010-03-31 2015-11-17 Mastercard International Incorporated Systems and methods for operating transaction terminals
US8811892B2 (en) 2010-04-05 2014-08-19 Mastercard International Incorporated Systems, methods, and computer readable media for performing multiple transactions through a single near field communication (NFC) tap
US20110309142A1 (en) * 2010-06-17 2011-12-22 Ncr Corporation Payment card reader apparatus and method of operating a payment card reader apparatus
AU2011200063B1 (en) * 2010-10-14 2011-06-23 Nokuta Pty Ltd Systems and methods of securely carrying out transactions
US8799087B2 (en) * 2010-10-27 2014-08-05 Mastercard International Incorporated Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader
US8972286B2 (en) 2011-01-31 2015-03-03 Bank Of America Corporation Transaction authorization system for a mobile commerce device
US8666895B2 (en) 2011-01-31 2014-03-04 Bank Of America Corporation Single action mobile transaction device
US8195576B1 (en) 2011-01-31 2012-06-05 Bank Of America Corporation Mobile transaction device security system
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US12014347B2 (en) * 2011-07-18 2024-06-18 Rabih S. Ballout Kit, system and associated method and service for providing a platform to prevent fraudulent financial transactions
US20130054337A1 (en) * 2011-08-22 2013-02-28 American Express Travel Related Services Company, Inc. Methods and systems for contactless payments for online ecommerce checkout
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
MX2014014331A (en) 2012-05-24 2015-09-23 Google Inc Systems, methods, and computer program products for providing a contactless protocol.
US20140040114A1 (en) * 2012-08-03 2014-02-06 First Data Corporation Systems and Methods for Optimizing the Routing of Debit Transactions
US9189785B2 (en) * 2012-08-24 2015-11-17 Mozido, Inc. Debit network routing selection using a scannable code
US8783438B2 (en) 2012-11-30 2014-07-22 Heb Grocery Company, L.P. Diverter arm for retail checkstand and retail checkstands and methods incorporating same
US20140279502A1 (en) * 2013-03-13 2014-09-18 Its, Inc. System and Method of Processing Payment Transactions
WO2015005984A1 (en) * 2013-07-12 2015-01-15 Jvl Ventures, Llc Systems, methods, and computer program products for enabling instrument credentials
US20150066651A1 (en) * 2013-09-04 2015-03-05 Mastercard International Incorporated Method and System for Secure Mobile Payment Processing and Data Analytics
KR101492054B1 (en) * 2013-11-08 2015-02-10 한국정보통신주식회사 Card reader, terminal and method for processing payment information thereof
JP5703452B1 (en) * 2014-03-06 2015-04-22 パナソニックＩｐマネジメント株式会社 Information processing apparatus and information processing method
GB2530345A (en) 2014-09-22 2016-03-23 Mastercard International Inc Payment systems and methods for managing payment card use
WO2016048863A1 (en) * 2014-09-22 2016-03-31 Mastercard International Incorporated Payment systems and methods for managing payment card use
US9819396B2 (en) * 2014-10-28 2017-11-14 Google Inc. Managing contactless communications
US10504090B2 (en) 2014-12-05 2019-12-10 First Data Corporation Mobile device contactless payments
WO2016134302A1 (en) * 2015-02-20 2016-08-25 Visa International Service Association Contactless data exchange between mobile devices and readers
EP3086272A1 (en) * 2015-04-20 2016-10-26 Oberthur Technologies Selecting an application on a card
WO2017044642A1 (en) * 2015-09-08 2017-03-16 Omnypay, Inc. Methods and systems for dynamically displaying various financial and non-financial incentives to drive the use of sellers' preferred payment and non-payment options at the time of performing an electronic transaction
EP3770814B1 (en) * 2015-12-10 2022-10-05 SES-Imagotag GmbH Display device for displaying price and / or product information
US10002248B2 (en) 2016-01-04 2018-06-19 Bank Of America Corporation Mobile device data security system
US9723485B2 (en) 2016-01-04 2017-08-01 Bank Of America Corporation System for authorizing access based on authentication via separate channel
US10003686B2 (en) 2016-01-04 2018-06-19 Bank Of America Corporation System for remotely controlling access to a mobile device
US9912700B2 (en) 2016-01-04 2018-03-06 Bank Of America Corporation System for escalating security protocol requirements
US9749308B2 (en) 2016-01-04 2017-08-29 Bank Of America Corporation System for assessing network authentication requirements based on situational instance
EP3408810B1 (en) 2016-01-25 2024-04-03 Apple Inc. Conducting transactions using electronic devices with non-native credentials
US11238458B2 (en) * 2016-03-17 2022-02-01 Visa International Service Association Support combination cards for ecommerce
US10572870B1 (en) 2016-06-09 2020-02-25 Wells Fargo Bank, N.A. Binding mobile wallet elements with payees
US11429970B2 (en) * 2016-09-08 2022-08-30 Stripe, Inc. Managed integrated payment environment
AU2017322317B2 (en) * 2016-09-08 2020-07-30 Index Systems, Inc. Managed EMV kernel for faster processing
US11488173B1 (en) 2016-09-08 2022-11-01 Stripe, Inc. Managed EMV kernel for faster processing
US20190373457A1 (en) * 2018-06-01 2019-12-05 Apple Inc. Multi-scheme transaction credentials
US11651369B2 (en) 2018-07-12 2023-05-16 American Express Travel Related Services Company, Inc. Remote EMV payment applications
EP3648034A1 (en) * 2018-10-29 2020-05-06 MasterCard International Incorporated Non-default payment application selection during emv-compliant payment transaction method
US11049095B2 (en) * 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US11138583B2 (en) * 2019-02-08 2021-10-05 Mastercard International Incorporated Non-default application selection during a transaction
US10643420B1 (en) * 2019-03-20 2020-05-05 Capital One Services, Llc Contextual tapping engine
US11544706B2 (en) * 2019-04-26 2023-01-03 Discover Financial Services Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods
US11250414B2 (en) 2019-08-02 2022-02-15 Omnyway, Inc. Cloud based system for engaging shoppers at or near physical stores
US11468432B2 (en) 2019-08-09 2022-10-11 Omnyway, Inc. Virtual-to-physical secure remote payment to a physical location
US20240193572A1 (en) * 2022-12-13 2024-06-13 Zebra Technologies Corporaiton Physical Point-of-Sale Integration With Third-Party Expense Systems

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20030033859A (en) * 2001-10-25 2003-05-01 주식회사 에스원 A smart card having a store of a plurality of financial accounts information and system for processing financial work automatically using the smart card and method thereof
US20040087338A1 (en) * 1999-12-10 2004-05-06 Takeshi Natsuno Mobile communication terminal and card information reading device
KR20060005821A (en) * 2004-07-14 2006-01-18 주식회사 하렉스인포텍 Immediate payment card selection method and usage system
US20070135164A1 (en) * 2002-12-07 2007-06-14 Healthpia Co., Ltd. Mobile communication terminal having ic card settlement function

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7792759B2 (en) * 2002-07-29 2010-09-07 Emv Co. Llc Methods for performing transactions in a wireless environment
US7494055B2 (en) * 2002-09-17 2009-02-24 Vivotech, Inc. Collaborative negotiation techniques for mobile personal trusted device financial transactions
US7229014B1 (en) * 2004-06-25 2007-06-12 Richard Snyder systems and methods for account number generation and provisioning
US7631810B2 (en) * 2006-12-19 2009-12-15 Vivotech, Inc. Systems, methods, and computer program products for supporting multiple applications and multiple instances of the same application on a wireless smart device
US10311427B2 (en) * 2006-12-29 2019-06-04 Google Technology Holdings LLC Method and system for monitoring secure application execution events during contactless RFID/NFC communication
KR20090097960A (en) * 2007-01-09 2009-09-16 비자 유에스에이 인코포레이티드 Mobile phone payment process including threshold indicator
US8799087B2 (en) * 2010-10-27 2014-08-05 Mastercard International Incorporated Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader
US20130179245A1 (en) * 2012-01-09 2013-07-11 Jerome Simonoff System and Method for Providing Incentives to Users for Using Payment Instruments to Complete Financial Transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040087338A1 (en) * 1999-12-10 2004-05-06 Takeshi Natsuno Mobile communication terminal and card information reading device
KR20030033859A (en) * 2001-10-25 2003-05-01 주식회사 에스원 A smart card having a store of a plurality of financial accounts information and system for processing financial work automatically using the smart card and method thereof
US20070135164A1 (en) * 2002-12-07 2007-06-14 Healthpia Co., Ltd. Mobile communication terminal having ic card settlement function
KR20060005821A (en) * 2004-07-14 2006-01-18 주식회사 하렉스인포텍 Immediate payment card selection method and usage system

Also Published As

Publication number Publication date
US8523053B2 (en) 2013-09-03
US9436939B2 (en) 2016-09-06
US20100051685A1 (en) 2010-03-04
US20150073926A1 (en) 2015-03-12
WO2010027900A2 (en) 2010-03-11

Similar Documents

Publication Publication Date Title
WO2010027900A3 (en) Enabling consumer choice on contactless transactions when using a dual-branded payment instrument
WO2009095795A3 (en) Method, device, and system for completing on-line financial transactions
US9098846B2 (en) Contactless automated teller machine
PH12019550003A1 (en) An electronic payment system and method thereof
US20150332240A1 (en) Apparatus, system and method for beacon-enabled mobile pos
WO2012006098A3 (en) Methods, systems, and computer readable media for facilitating in-store or near-store ordering and payment of goods and services through a single-tap of a near field communication (nfc) device
WO2012082795A9 (en) Systems and methods for conducting contactless payments using a mobile and a magstripe payment card
WO2013006725A3 (en) Electronic wallet checkout platform apparatuses, methods and systems
WO2012142131A3 (en) Interoperable financial transactions via mobile devices
WO2008115971A3 (en) Method, system, and apparatus for conducting a purchase transaction
WO2010059373A3 (en) Beverage holder having a chip unit for performing payment transactions
US20140025457A1 (en) Method and system for deal redemption by electronic wallet
EP2556474A4 (en) Method and system for processing pin debit transactions
GB2490466A (en) Transferring funds using mobile devices
WO2007123856A3 (en) Methods and systems for secure transactions with electronic devices
MX2009007028A (en) Systems and methods for secure pin-based transactions via a host based pin pad.
WO2013055805A3 (en) Method and system for enabling use of loyalty program points as form of payment
WO2008103880A3 (en) Payments using a mobile commerce device
WO2009154867A3 (en) Handling payment receipts with a receipt store
WO2013086390A3 (en) Electronic payment system
CN101339685A (en) Infra-red ray mobile phones payment terminal, payment procedure and system
JP7222594B2 (en) Payment terminal device and method
WO2011138673A3 (en) System for personalized payments via mobile and internet connected devices
CN108022093A (en) Realize the personal selling point in card e-commerce transaction（PPOS）Device
WO2005040977A3 (en) Systems, methods, and devices for selling transaction accounts

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 09812069

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 09812069

Country of ref document: EP

Kind code of ref document: A2